The continuous National Agricultural Insurance Scheme (NAIS) alongside test wage protection and climate protection is a decent advance forward to guarantee danger of a huge number of ranchers whose vocation relies upon the example and conveyance of rainstorm rain in India. NAIS depends on region yield approach and is experiencing low infiltration and unfavourable choice with ensuing high case to premium proportion. With this background, the paper audits the creative methods in horticultural/provincial protection, which conquer a portion of the inconveniences of the above protection and which advocate basic precipitation file protection as a superior option in contrast to the current farming protection plot. The precipitation protection is by and by in numerous nations for quite a long time and has been extremely easy to comprehend by a typical agriculturist. It is incorporated with least existing assets with next to no authoritative and overhead expenses. It likewise covers agrarian workers and non-cultivate specialists whose pay is influenced unfavourably by disappointment of precipitation and it is an exceptionally compelling component to build protection infiltration proportion The reinsurance operators can likewise adequately exchange their dangers by issuing calamitous security/alternatives like instruments in stock trades (NSE and BSE), as our stock exchanges are generally very much created and it might successfully fit into the arrangement of a portion of the store administrators and mutual funds.